How to Repair Your Credit and Get a 700 Credit Score
Two Steps to Repairing Bad Credit
- Erase Negative Credit Items from your credit reports
- Establish Positive Tradelines with new or existing credit -
- No credit card in case of an emergency
- Rejected for a home loan and/or car loan
- Being unable to rent an apartment
- Denied a checking accout
- Denied a business or personal loan
- Taking a bus to school or work
- Denied car insurance
- repairing your credit begins with erasing damaging information such as charge offs, collections, repossessions, bankruptcy, or any information indicating a past delinquency.
(by law, credit reporting agencies must delete items that are inaccurate, out of date, or unverifiable).
Credit repair is not only about removing those items which are damaging your credit score. You must also establish good credit by paying your bills on time each month. If you do not have any existing credit - or all your loans have been charged off, then consider getting a new credit card and begin establishing new positive credit.
This may seem obvious, but consider this recent quote made public by a major credit bureau:
“Having an open major credit card tells lenders you are a responsible borrower.”
-Experian Credit Bureau
Credit Repair Case Study
Lexington Law helped Henry repair his credit by deleting nearly all of the negative items from his credit reports. This in turn helped raise his credit score from 624 to 647.
How Long Does Credit Repair Take?
Credit repair is not an overnight process. However, you can repair your credit reports relatively quickly by working efficiently. Efficient credit repair means you follow the proper avenues of dispute with the credit bureaus as well as work to build positive credit at the same time. Making mistakes during credit repair will only delay the process and make it tougher should you enroll the services of a credit repair law firm in the future.
| Common Credit Repair Mistakes |
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Attaching a Consumer Statement to Your Credit Report Disputing too many items at once Mailing a defective dispute letter Filing a frivolous credit bureau dispute Calling a credit bureau on the phone |
Sometimes credit repair should be trusted to professionals with legal experience. A law firm that limits its practice to credit report repair can (1) draft effective dispute letters (2) counsel you on the most effective credit score improvement techniques (3) erase negative credit items that are inaccurate, out of date, misleading, or unverifiable (4) execute “goodwill” negotiations for late accounts (5) file debt validation letters (6) take your case to court should your dispute require escalated intervention.
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My desperation was only made worse when I tried countless credit repair methods including e-books, do-it-yourself credit repair software, and other products which did not repair my credit. Although I was promised a great deal, I always found myself starting the credit repair process all over again having wasted precious time and money. I decided to take action! I found a credit repair company called Lexington Law which I learned is a law firm that does credit report repair. (Their service was surprisingly affordable considering the fact that you have attorneys who handle your case from start to finish.) The decision paid off quickly as they started deleting bad credit almost immediately. In less than 60 days I had nine negative items deleted! (As a result my credit score climbed from 501 to 607 - and continues to get better!) Here are some deletion letters
If you are struggling with credit repair, I strongly recommend The Lexington Law Firm. They have experience deleting charge offs, collections, bankruptcy items, foreclosure, and improving one’s credit score. -Jesse Moskel (Lexington, South Carolina) |
If you are like me then you can relate to the stress and anxiety of having an embarrassing credit history. Unpaid bills, inaccurate information, duplicate entries, and other issues made my life pretty difficult. 
Will I Get Arrested for Repairing my Credit?
No.
The credit bureaus would like you to believe that credit repair is somehow illegal. The reality is that credit repair is 100% legal. In fact, the Federal Government created laws specifically for the consumer which allow you to dispute credit report information that is inaccurate, out of date, misleading, or unverifiable.
Credit bureaus are very profitable private organizations who attempt to dissuade consumers from engaging in credit repair. This is because they lose profits when required to verify information. It cost them money, resources, and employee time whenever you challenge information on your credit report. However, it is much more costly to those with credit errors who do NOT perform credit repair.
Here are a few things you can expect with bad credit:
| Credit Repair Case Study Parker Fillmore was in desperate need of credit repair. His credit was in such bad shape that he had to put a $750 security deposit down just to get a credit card with a $500 limit. He engaged the credit repair services of Lexington Law and has since repaired his credit. With his improved credit history banks are now eager to extend him new credit. |
Free credit repair consultation
1-888-585-3855
Credit Repair Couples Coupon
$50 Off Spouse or 2nd Client
2 Comments Add your own
1. brandy vogt | March 26th, 2009 at 12:08 pm
help me n my husband with our credit please
2. Sheila Word | June 30th, 2009 at 7:30 pm
What is the fee for your service and the usual amount of time it takes for repairs.
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